SSC CGL Economy – Banking in India & the RBI – Tier II Level · Marathon

← Back

SSC CGL Economy – Banking in India & the RBI – Tier II Level · Marathon – 10 questions, subject: Indian Economy. Every question has the correct answer with a one-line explanation; tap "Show Answer". Free practice for TNPSC, UPSC, SSC, Bank and RRB exams – Shanmugam IAS Academy, Coimbatore.

Get daily current affairs & exam alerts – follow us YouTube WhatsApp Channel Telegram Channel Facebook Page Instagram
Share with friends & study groups
Link to this page from your website / blog (HTML code)
1.  
Gross advances ₹ 80,000 crore, gross NPA ₹ 4,000 crore, provisions ₹ 2,400 crore. The net NPA ratio is closest to:

Correct Answer: C [2.06%]

Explanation:

Net NPA 1,600 ÷ net advances 77,600 × 100 ≈ 2.06%.

2.  
A loan has remained a sub-standard asset for 12 months. It is now classified as:

Correct Answer: A [a doubtful asset]

Explanation:

Sub-standard for 12 months → doubtful.

3.  
Capital ₹ 1,500 crore; the bank must keep CRAR of at least 10%. Maximum risk-weighted assets it can carry:

Correct Answer: B [₹ 15,000 crore]

Explanation:

1,500 ÷ 0.10 = ₹ 15,000 crore.

4.  
The Act that allows secured lenders to enforce their security without the intervention of a court is the:

Correct Answer: C [SARFAESI Act, 2002]

Explanation:

SARFAESI – securitisation and enforcement of security interest.

5.  
Reserve ratio 20% but the public keeps 10% of every loan as cash. Starting with a deposit of ₹ 2,000, total deposits will be:

Correct Answer: A [less than ₹ 10,000]

Explanation:

Cash leakage shrinks each round, so the multiplier is below 1 ÷ 0.2 = 5.

6.  
Assertion–Reason
A: The SDF strengthens the RBI's ability to absorb liquidity.
R: Under the SDF the RBI must give government securities as collateral.

Correct Answer: D [A is true but R is false]

Explanation:

A is true; R is false – the SDF is collateral-free, which is why it can absorb liquidity without limits on securities.

7.  
Basel norms are framed by the Basel Committee on Banking Supervision, which is hosted by the:

Correct Answer: B [Bank for International Settlements]

Explanation:

The BCBS is hosted by the BIS in Basel, Switzerland.

8.  
If the repo rate is raised by 25 bp in a symmetric corridor, the MSF rate:

Correct Answer: C [rises by 25 bp]

Explanation:

SDF and MSF move with the repo rate (Corridor ± 25).

9.  
A bank must keep CRR 4% and SLR 18% on NDTL of ₹ 10,000 crore. Its total reserve requirement (CRR + SLR) is:

Correct Answer: D [₹ 2,200]

Explanation:

4% = 400 + 18% = 1,800 → ₹ 2,200 crore.

10.  
Which committee recommended the creation of payments banks?

Correct Answer: A [Nachiket Mor Committee]

Explanation:

Committee on Comprehensive Financial Services for Small Businesses and Low Income Households (Nachiket Mor).

➤ Full notes, shortcuts and every answer explained – SSC CGL 2026 Indian Economy book (₹149): www.shanmugamiasacademy.in/study-materials/ssc-cgl-indian-economy

📘 SSC CGL 2026 – Indian Economy (Tier I + Tier II)
Here you get the answer with a one-line explanation. 773 original questions with answer key and explanations · mind-maps, notes, tables and shortcuts · Tier I and Tier II practice sets + 3 mock tests
Get the book – ₹149 ₹299 →
Score: 0 Answered: 0 / 0